What is primarily covered under workers' compensation policies?

Workers' compensation policies are specifically designed to provide benefits to employees who suffer from work-related injuries or illnesses that arise during the course of their employment. This coverage includes medical expenses for treatment, rehabilitation costs, and compensation for lost wages due to an inability to work as a result of the injury or illness.

The core principle of workers' compensation is to ensure that employees are financially supported when they are unable to work due to occupational-related incidents, fostering a safer work environment and protecting employee rights. As such, it is tailored to address the needs of individuals injured while performing their job duties, making occupational injuries the main focus of these policies.

Other options, while relevant in various contexts, do not fall under the standard coverage of workers' compensation. Equipment losses pertain to business assets rather than employee welfare. Contractor's personal injuries may not be covered if the contractor is the business owner, and general liability claims address third-party claims rather than employee injury claims.